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Circle K

Dubuque, IA · Charter 65201

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Circle K

Dubuque, IA · Charter 65201

Q3 2012

$691KAssets
$167KLoans
$445KShares
$246KNet Worth

Executive Summary

  • Earnings: ROA of -0.12%, up 48 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 35.55%, up 359 bps from a year ago.
  • Funding: loans stand at 37.47% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

-0.12%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+35 bps YoY

Efficiency Ratio (YTD, annualized)

103.92%-1,846 bps YoY

Net Worth / Assets

35.55%+359 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.05%0.07%-0.14%-0.60%-0.69%0.59%0.40%-0.12%+48 bps
Return on Equity-0.16%0.22%-0.45%-1.89%-2.16%1.84%1.18%-0.34%+155 bps
Net Interest Margin2.94%3.14%2.83%2.70%2.60%3.50%3.37%3.05%+35 bps
Efficiency Ratio97.50%97.77%105.00%122.38%126.67%83.05%88.09%103.92%-1,846 bps
Growth
Asset Growth (YoY)-5.50%-8.49%-5.23%-3.34%-4.84%-1.15%-8.16%-10.99%-765 bps
Loan Growth (YoY)-1.95%-12.70%6.94%12.14%-14.00%12.59%-11.92%-17.69%-2,983 bps
Share Growth (YoY)-7.36%-12.24%-7.66%-4.64%-6.69%-0.90%-11.34%-15.68%-1,104 bps
Asset Quality
Delinquent Loans / Loans0.00%0.25%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.30%6.16%5.89%5.59%5.94%5.47%6.69%6.79%+120 bps
Capital
Risk-Based Capital30.65%32.37%31.62%31.96%32.11%32.18%33.97%35.55%+359 bps
Net Worth / Assets30.65%32.37%31.62%31.96%32.11%32.18%33.97%35.55%+359 bps
Liquidity & Funding
Loans / Shares39.75%34.97%35.46%38.38%36.64%39.73%35.22%37.47%-91 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps